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                    <strong>意外险</strong>有狭义和广义之分，从狭义来说，意外险就是意外伤害保险的简称，从广义上来说，意外险是意外伤害保险，意外伤害医疗保险，意外住院津贴保险，交通意外伤害保险(包括驾乘，公共交通，轨道，轮船，航空等)，电梯意外伤害保险，旅意险等一系列意外保险的统称。
                    <br>一般的情况下意外伤害保险和意外伤害医疗保险这二者是必备的，其他的根据实际情况自行选择。
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                    <strong>定期寿险</strong>，就是用户跟保险公司约定一个年龄，如果在约定年龄内死亡或全残，则保险公司赔偿保险金。如果没有死亡，保险合同终止。市场上的定期寿险产品，多保障到50岁，60岁或70岁。年龄越高，或保障年龄越大则保费更贵。
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                    <strong>医疗费用险</strong>多数情况下被作为重疾的附加险，当然它也有单独出现的时候，以一年期产品的形态。这类保险很好理解，生了合同范围内的指定病症，凭此申请治疗费用理赔。跟社保医保类似，跟医保最大的区别在于医疗费报销范围：医保仅报销医保目录范围内的项目，而医疗费用险则可突破这个限制报销像是化疗进口药品、重症监护床位费等费用。
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